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The Native American tribeвЂs lending enterprises have names like Silver Cloud Financial and Mountain Summit Financial, reflecting the Native American heritage personal loan emi payment schedule the rancheria, as these settlements are called.

The U. government established them for landless Indians in Personal loans past bankruptcy ok in the early 20th century, but unlike reservations, a single rancheria can include members of multiple tribes. Tribal sovereignty allows the rancheriasвЂ businesses to claim immunity from state usury laws, making them convenient shelters for lenders who want to evade regulators.

Yet little of the revenue that flows through these tribal businesses ends up in the rancheria or benefiting tribal members, as attested by the cluster of rundown houses nearby, where some members of the tribe live.

They donвЂt look like villainous tycoons preying on low-income Americans. They look more like those cash-strapped loan customers themselves. The payday lending enterprises are not operated out of the settlement, and Habematolel Pomo members interviewed on a recent visit said none of them had any jobs related to payday lending. In fact, there are few jobs of any kind here.

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